Kansas Homeowners Insurance Quotes
Your Kansas home is important to you, which is why you need the proper protection for it. Luckily, shopping for Kansas homeowners insurance has never been easier. At HomeownersInsurance.com, our agents work with multiple highly rated carriers to bring you the winning combination of coverage and premiums. Just call us at 1-877-234-0731 or fill in your information above to protect your home today, no matter if it's in Topeka or Wichita or Lawrence or anywhere else in the state.
Homeowners insurance for Kansas protection
Though its nickname is the "Sunflower State," the weather outlook in Kansas is not always sunny. In fact, competing weather extremes can spur thunderstorms statewide, especially in the spring and early summer. These storms can turn into supercell thunderstorms, and create tornadoes, hail, flash flooding, and straight line winds.
Kansas is located in Tornado Alley and experiences more than 50 tornadoes every year (more than any other state except Texas). Though a standard Kansas home insurance policy covers tornado, wind, and thunderstorm damage, providers typically exclude flood damage from protection. If you live near a floodplain, consider purchasing a separate policy through the National Flood Insurance Program.
Kansas home insurance discounts
Looking for ways to keep a sunny outlook in the face of Kansas' storms? Try qualifying for Kansas homeowners insurance discounts. Call us and we can find the price breaks that best fit your life. Some common ways to save include:
- Bundle: Saving up to 20% on your homeowners insurance premiums is easy. Simply purchase your auto and home insurance through the same carrier.
- New home: If your home was built within the last 10 years, you could earn a price break.
- Fire safety: Though tornadoes present the main danger for Kansas residents, providers in the state also wish to avoid wildfires. You could earn a discount by installing smoke detectors or sprinklers in your home.
- Non-smoker: You also could save if no one in your household smokes.
- Retiree: Retired homeowners older than 55 years could qualify for retiree discounts for their primary residence.
Your neighbors' Kansas homeowners insurance premiums
Curiosity can benefit you when shopping for Kansas homeowners insurance quotes, because knowing what fellow residents pay in premiums could help you determine what deals suit you best. From Wichita to Topeka, HomeownersInsurance.com has listed the last 5 Kansas home insurance policies sold by our agents below. Use these premiums as a general outline, but remember that costs may vary based on house type and individual situation.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$1,399†||$1,447†||$915†||$1,393†||$1,352†|
|Carrier||Liberty Mutual||Travelers||Travelers||Safeco||Liberty Mutual|
|Foundation type||Basement||Basement||Basement||Slab||Crawl Space|
|Lot Size||12,074 Sq Ft||12,240 Sq Ft||N/A||9,450 Sq Ft||7,840 Sq Ft|
|Square Feet||2,965 Sq Ft||1,642 Sq Ft||2,570 Sq Ft||1,454 Sq Ft||1,187 Sq Ft|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Gas||Central Gas||Central Gas|
Standard homeowners insurance coverage
You know what you pay; now find out what you pay for. Your policy is made up of several different parts and covers more aspects of your home life than simply the structure of your home. The main types of coverage in a standard policy are:
- Dwelling and Other Structures: Any structures on your property receive protection from your policy, whether they are part of your home's structure (Dwelling) or detached from it (Other Structures).
- Loss of Use: If the structure of your home becomes damaged and uninhabitable in a covered event, Loss of Use can help you pay the restaurant and hotel bills you accrue while displaced.
- Personal Property: Your homeowners insurance policy safeguards the contents of your home from named perils such as fire and theft. This is important whether your Kansas city is Wichita or Topeka – both have higher than average burglary rates – or somewhere else.
- Medical Payments: If someone becomes injured on your property and decides not to sue, your policy can help you pay the medical bills involved.
- Personal Liability: If a non-family member sustains an injury on your property and takes you to court, your policy can help pay any legal fees and the final judgment.
Still have questions about what's in homeowners insurance in Kansas? Contact the Kansas Insurance Department.
|De Soto||Dodge City||Edwardsville||Emporia|
|Eudora||Fort Riley||Fort Scott||Garden City|
|Independence||Iola||Junction City||Kansas City|